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Flexible Protection for a Healthy Retirement
Manage episode 439528496 series 3345764
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Episode Summary:
In this episode of Navigating an Abundant Retirement Radio, Carol dives into the importance of long-term care planning and flexible protection for a healthy retirement. She outlines common challenges retirees face and discusses strategies to ensure financial security without becoming a burden on family members.
Key Takeaways:
- Long-term care is a critical aspect of retirement planning, and Medicare generally does not cover these expenses.
- Flexible protection for a healthy retirement focuses on three key elements: protecting your family, your choices, and your financial assets.
- Hybrid insurance policies offer an alternative to traditional long-term care insurance, providing flexibility and additional coverage.
- A proactive conversation with family members about healthcare directives and long-term care options is essential.
Quotes:
- "You want to continue deciding where you live and what kind of care you receive as you get older."
- "It's more than a maybe that you'll need some kind of care—it's a probably."
- "Retirement success often comes down to creating as many options as possible."
Timestamps:
- (03:39) The importance of flexible protection
- (07:08) Long-term care insurance and ADLs
- (10:23) Home healthcare vs. nursing home care
- (14:51) Hybrid policies and underwriting process
- (16:54) Final thoughts on flexible protection
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Connect With Carol:
- www.perpetualwealthfinancial.com
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